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37452 Ocean Reef, Willoughby, OH 44094 Property Records

Lake County property record for 37452 Ocean Reef, Willoughby, OH 44094

Property Summary

Property TypeCondominium
Details4 bd · 3 ba · 1,458 sqft · built 1993
Lot Size0.374 acres (16,327 sqft)
OwnerIndividual Name on File
Tax Bill$4,826 (2023)
Deeds & MortgagesNov 2022 Mortgage
Sep 2022 Transfer
Flood ZoneZone X (minimal risk)
APN27-B-043-A-00-089-0

Property Details

APN / Parcel Number

Primary APN27-B-043-A-00-089-0
Alternative APN
  • 67

Interior

Bedrooms4 Beds
Full Baths3 Baths
Plumbing Fixtures11 Plumbing Fixtures
Total Rooms7 Rooms
Stories2 Stories
Building Area1,458 sqft Living Area
1st Floor Area612 sqft
FireplaceFireplace

Exterior

Year BuiltBuilt 1993
Architectural StyleCape Cod
Exterior MaterialAluminum/Vinyl
Lot Area16,327 sqft
Garage Area360 sqft
Parking Spaces1 Parking Space
PorchPorch
Porch Area90 sqft
Patio Area80 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating FuelGas

Location & Zoning

Account Number67
Street Address37452 OCEAN REEF
CityWILLOUGHBY
StateOH
Zip44094-6407
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionLOT 115 GORE TRACT
Legal SubdivisionSMUGLERS COVE CONDOMINIUM
Legal Lot Number11
JurisdictionLAKE OH
Township / Civil DivisionWILLOUGHBY
Census Block Group1
Census Block1010
Census Tract201600

Owner

37452 Ocean Reef, a condominium, is owned and occupied by an individual who acquired it in November 2022.

Source: Lake County records, as of April 25, 2024

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address37452 OCEAN REEF # 24/37452, 24/37452, WILLOUGHBY, OH 44094-6407
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Nov 15, 2022Affidavit of Death of Joint Tenant, Transfer · Conventional Mortgage
MUTUAL OF OMAHA MORTGAGE INC
Sep 27, 2022Affidavit of Death of Joint Tenant, Transfer
OHIO REAL TITLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 27, 2022
Deed SaleSep 27, 2022
Prior SaleSep 27, 2022
Deed Document Number0000026430
Last Transfer DateNov 15, 2022
Transfer Doc0000030525
Record UpdatedJun 7, 2026

November 2022: Affidavit of Death of Joint Tenant, Transfer

Document TypeAffidavit of Death of Joint Tenant
JurisdictionLAKE OH
Recording DateNov 15, 2022
Property Address37452 OCEAN REEF, WILLOUGHBY, OH 44094-6407
Document Number0000030525
Map ReferenceVOL 661 PG 936
Instrument DateOct 25, 2022
Instrument2022R030525
Transaction TypeTransfer
Record UpdatedNov 23, 2022
Title CompanyFIRST SOURCE TITLE AGENCY INC, FIRST SOURCE TITLE AGENCY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address37452 OCEAN REEF, WILLOUGHBY, OH 44094-6407

Mortgage

Document Number0000030526
DateNov 15, 2022
Instrument2022R030526
Lender
NameMUTUAL OF OMAHA MORTGAGE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueNov 1, 2052

September 2022: Affidavit of Death of Joint Tenant, Transfer

Document TypeAffidavit of Death of Joint Tenant
JurisdictionLAKE OH
Recording DateSep 27, 2022
Property Address37452 OCEAN REEF, WILLOUGHBY, OH 44094-6407
Document Number0000026430
Map ReferenceMB 20 PG 21
Instrument DateSep 27, 2022
Instrument2022R026430
Transaction TypeTransfer
Record UpdatedOct 19, 2022
Title CompanyOHIO REAL TITLE

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

Tax Assessment & Valuation

Source: Lake County assessment roll, as of August 1, 2023

Property Jurisdictions

TypeName
StateOhio
CountyLake County
MunicipalityWilloughby City
Unified School DistrictWilloughby-Eastlake City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2023$4,826.00 (+53.65%) Homeowner's exemption$50,980 (-) Land $12,080 Building $38,900
2022$3,141.00 Homeowner's exemption$50,980 Land $12,080 Building $38,900
2021$145,650 Land $34,500 Building $111,150

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 37452 Ocean Reef in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective December 14, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies6 in force
Nearby Flood Claims1 (2013)
Claims Outside the SFHA1 of 1
Most Recent ClaimJul 2013 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 37452 Ocean Reef has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 133 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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